Who offers ready-made loyalty program solutions?

You might want to give Taggo a go. Taggo is short of Tap-and-Go, however, I am not sure which geographic area you are in, but if you actually Google Taggo and read through it - it is a fantastic product and making loyalty management so very easy. The program has been very successful in Singapore, you can check with Anees Hadad (CEO of Taggo) if the solution has been rolled out in your respective region.